The Cost of A Good Shave..

So as a guy I shave my face about 3-4 times a week, and as such i have to buy razors.. As you well know the cost of the major branded razors are in my mind crazy!! I can’t honestly tell you how much the latest and greatest disposable blade costs since i have been using dollar store single blade disposables for the last decade if not more of my life..

Am i crazy? not sure.. i find that i get a great shave one blade last’s me just over a month usually so that would be about 15-20 shaves and a pack of 12 costs $1 at the dollar store.. So $1.13 (tax included) / 12 months / 15 shaves = $0.006 or just over half a cent per shave..

Why does this come to mind.. A year or so back i looked into straight razor’s the old style cut throat razor and reading sounded great last blade would ever buy last a life time.. Fast forward to now and that straight razor is still sitting in my drawer waiting for me to get a fine enough grit sharpening stone to get it up to snuff.. the catch stones aren’t cheap and i just can’t bring myself to spend $30-$100 on a stone..

It made me realize that this would be a novelty fun item purchase which is fine.. i spent about $10-$20 blade on e-bay which i like to look at..

Just that cost alone will take me 2 decades to recoup compared to disposable blades…

I find i get a great shave from one blade disposables.. in fact am wondering if i should splurge and buy 10-30 packs of disposables after all they will just cost more in the future and my skin will still be skin..

Just the latest pondering as go through some loose ends…


Net Worth Update – April 2013

Aghhh almost the end of May and am finally updating my networth here :p talk about slackin eh.. Well if i can remember April was another month is like a slow march towards building the emergency fund… Finally finished and passed my online course!! So now to brush up the resume and start finding a fit to make some needed income!

May looks like my net worth is going to take a hit and may even go down for the first time i think since started getting out of debt! Will see how close it gets… Paying a big lump sum for first 4 months of donations as well as some other items that have saved for.. but the total money going out will be more than the money coming in for this month.. just the way the numbers work..

Total Net Worth $8110(+6.32%)

Cash $8110

Consists of about $4000 i keep as an emergency fund in chequing account and another $1600 $2200 i keep in savings as an emergency fund. The plan is to have around $4000 in both chequing and savings to make up my emergency fund.
The other cash is saved in chequing for various sinking fund savings (shoes, dog, etc..)


Net Worth Update – March 2013

March.. March was a pain slacking i guess.. in term’s of missing some workouts and not keeping posted on here… grrr… Financially did good somehow sticking to the budget and almost done my course.. 1/4 of the year gone and it seems so fast! Been looking at properties that i hope to be in a position to buy by the end of the year.. Time will tell.. Other than that had a pretty lazy weekend.. On to the numbers..

Total Net Worth $7628(+8.05%)

Cash $7628

Consists of about $3000 $4000 i keep as an emergency fund in chequing account and another $1200 $1600 i keep in savings as an emergency fund. The plan is to have around $4000 in both chequing and savings to make up my emergency fund.
The other cash is saved in chequing for various sinking fund savings (shoes, dog, etc..)


Death and Taxes.. Well Just Taxes..

It’s that time of the year.. well i guess more of a moment for me.. Tax moment.. I guess in decades gone by it was a season or maybe it still is.. Tax time.. pretty simple and straightforward for my finances.. I use Ufile online and have for almost a decade.. simply log on go through the step by step questions and voila it spits out a nice n tidy tax return ready to be electronically sent to the powers that be.. Since i keep records of everything throughout the year and have the numbers easily at hand the process is quick and easy!..

Other than that has not been much going on, I was/am sick this last week grrrr that with work has me so physically drained and forcing me to skip workouts which set me back.. so is a bad cycle to get stuck in.. Have been doing some coursework on the weekend and next thing i know a week has gone by without me posting here..

So just my 2cents for the day… Oh and my rant on RRSP’s.. doesn’t anyone else think it’s weird that banks are open so late to be available for RRSP deposits.. since when does a bank bend backwards like that to help make the customer money.. I never liked the idea of RRSP’s in that chances are taxes will always go up.. so putting money into an RRSP 1)your giving up control 2)I doubt taxes will ever go down 3)your giving up control.. I understand why there so “great” and some incentive is better than nothing.. I just see the TFSA here in canada as having your cake and eating it too..


Net Worth Update – February 2013

Getting things done sort of in February.. Paid for and starting a course that will hopefully lead to a new job/career.. got a couple hundred back in tax return.. so having the net worth move up is cool to see! working on finishing my emergency fund! 2 Months already down in the year! yikes! Looks like March will bring me back to reality..

Total Net Worth $7060(+5.97%)

Cash $7060

Consists of about $3000 $4000 i keep as an emergency fund in chequing account and another $1200 i keep in savings as an emergency fund. The plan is to have around $4000 in both chequing and savings to make up my emergency fund.
The other cash is saved in chequing for various sinking fund savings (shoes, dog, etc..)


My Word Of The Year..

Almost 2 month’s of the year in the books! time is flying.. not sure about how much fun it is though😛 I have been keeping busy.. and trying to stay on track with things.. which brings me to my word of the year..

PERSISTENCE .. i have it written on my goal sheets on my walls.. and it is a recurring trait that comes up with pretty much every success story that i come across..

I have it to remind me that if i miss a day or slip up on a task that i should not let it deter me.. that the main thing i need to do is persist on the task’s that will lead me to achieving my goals.. I think it is helping me.. instead of beating myself up about missing a workout or not writing a blog that day, I make sure i make it up when i can..

That combined with re-reading “Getting Things Done” at the beginning of the year have helped me re-focus and start moving in the create more income direction.. I’ve currently started taking an internet course, posting services i am willing to do on different sites, will have to think of more things to try get a side gig going.. here’s hoping!!

 

 


Make It, Master It, Matter .. Where do you stand?

The line that Raymond used on an episode of Shark Tank was something along the lines of – First you have to make it, then you have to master it, then you matter.. I really liked the meaning of it and it has stuck with me so far.. and it also has helped me not worry about things since i don’t really matter in the big sense of things.. I have to make it and that is my goal i need to focus on.. other things don’t matter first just focus on making it..

Instead of worrying about what kind of car is needed for a job, or what kind of fancy suit you need, or the other dozens of items that can let yourself get hung up on.. just need to focus on making it in whatever venture you choose to follow.. since no one cares until you actually make it and master it..

Just my 2 cents getting off my mind..

P.S. How can a subway station win an award for design!! when they don’t even have a public washroom!!! a rant for another day!